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International Major Medical Coverage

March 29, 2013 By Catherine Burdine

what is major medical coverageWhat Is Major Medical Coverage?

Major medical health insurance  offers coverage in the event of catastrophic accident or illness with high deductibles (if you choose) and low monthly premiums.

Are Routine Doctor Visits Covered?

Yes.  Simply call IMG to pre-qualify your visit, or log into MY IMG, and IMG will contact the clinic or hospital for direct payment.

What If I Need To Go To The Hospital?

The majority of major medical health plans cover expenses for hospital stays, surgery, intensive care, diagnostic X-rays and lab tests.  Prescription drug coverage within major medical health plans often carries a separate deductible you must meet, then a co-insurance amount.

What Will A Major Medical Policy Do For Me?

Adults who purchase major medical plans are primarily concerned with potential financial losses from a critical illness or accident. Many times, they do not qualify for Medicare yet, so a mid-range deductible option protects them from potential health care disasters abroad.

Medicare recipients who live outside their home country for half the year also apply for international major medical coverage as   Medicare only provides coverage in the U.S.

People with second homes in foreign countries find this kind of policy comforting as it will provide coverage for the health care they need abroad until they are healthy enough to potentially fly back to the U.S. to continue treatment.  Medicare will once again take over coverage upon returning to the U.S.

If you live outside your home country for 6 months a year or longer, you should apply for international major medical coverage.  If you are already living outside your home country, you can apply now.  If your move is in the future, you should apply 30 days before your departure date.

Filed Under: Expatriate Life, Major Medical Information Tagged With: apply for international major medical coverage, international major medical coverage, Major medical health insurance, major medical plans, Medicare

International Major Medical Health Insurance

Are you living abroad full or part time and concerned about critical illness or accident coverage? If you spend six months a year or more outside your home country, you qualify for international major medical insurance.  The six months do not have to be consecutive and you do not have to report your comings or goings.  In the event of a claim, your stamped passport is proof of your travels should the claim … Find Out More

Medical Travel Insurance

American Insurance for Expats offers Medical Travel Insurance. Coverage is per day or per month.  Choose your length of time, your policy limits and your deductible. No medical underwriting, coverage starts as soon as the next day. Click Here to Apply Now! You have enough to worry about when you're traveling. Don't let your medical coverage be an uncertainty. Our international travel insurance offers excellent … Find Out More

Vacation Travel Insurance

Protect Your Hard Earned Money  Our Vacation Travel Insurance is designed to provide essential coverage for trip cancellation, travel and baggage delays as well as emergency medical treatment. Vacation travel insurance is perfect for U.S. residents taking international or domestic vacations. Even the best laid plans have to be changed sometimes due to circumstances beyond our control.   Vacation Travel insurance … Find Out More

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